In February I purchased a brand new 3 bed 3 bath duplex for 479k at 6.18%. 

Those that own it can be harder to sell as the cash flow from the business will cover the debt service for the business, but not for the real estate.Example: I had a very high-end assisted living facility on the market. 

Do you raise for your reserves and capex, or do you hope your cash flow will cover it? 

I have found ChatGPT to be particularly useful for testing new Book Covers for BiggerPockets, such as our foray into the personal fitness category with upcoming title "Sweat for Life": 

Assessments, in the "condo world" cover items not insured.

For a 3 bed 2 bath house it needs laundry.

-22 years old-$50,000 pre tax income from business this year-80k in savings-30k in investments-pre approved for $350,000 (had to use parents as co-signers because I started business 2 years ago and didn’t make much first year)Looking to get into first house by house hacking a 4 bed 2 bath renting out 3 rooms.

Putting it all together: If I were starting over and looking for a house-hack in Denver, CO today, I'd be looking for a 4 bed / 3 bath property in the $500K - $600K range in an up and coming area (like Aurora near the medical campus).

Should I use my homeowner's insurance policy to cover the costs?

I got more than enough up front as the non-refundable Option fee to cover all expenses and rents and to get a judgment against the Optionee.